A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, lessen a credit union's ability to do those things.
1ST LIBERTY scored 10 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
One indication that 1ST LIBERTY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.